Peer to Peer Lending in India

Peer to Peer lending in India or P2P lending in India is a new technology enabled mechanism that formalizes the entire process of private finance and lending.

What is Peer to Peer Lending?

Peer to Peer Lending in India is a concept which formalizes non-institutional lending between individuals. It is a platform for exchange between people who have money and people who need money in the form of a loan. People with excess funds can now extend a loan to borrowers anywhere across the country and earn returns on their funds in the form of interest.

This concept helps borrowers in need of money connect with lenders from across India to crowdfund their loans. The returns are attractive enough for lenders to invest small amounts of money across multiple borrowers. Borrower details are thoroughly checked by the P2P lending platform and a credit analysis presented to the lenders. P2P lending through online platforms started off as an idea in the US a decade back and is now gaining popularity in India.

Peer to Peer Lending aims to formalize this route by turning it into a valid investment option for any person with spare funds. It gives borrowers a way to fund their requirement for personal loans or business loans by opening a large P2P Lender group not confined just to their friends or peer group. Online peer to peer lending is a great alternative, if you have spare funds, to earn more than traditional investment options like Fixed Deposits, Mutual Funds etc with a little more risk.

P2P lending in India can occur in various forms including payday loan, quick loan and short-term loan. Any person with validated credentials can become a loan giver or loan taker. These form of loans are unsecured in nature and can be taken or given as a personal loan or a business loan. The P2P Lenders can be an individual and private finance provider who can fill details and become registered P2P Lenders on the platform. All loans attract a pre-agreed rate of interest between the borrower and P2P Lender. Cashkumar does not recommend or try to influence any decision of the borrower or P2P Lender neither will it handle any fund transfer as per the rules of the RBI.

Easy P2P Loans in India from multiple P2P Lenders

Get quick P2P Loan from multiple P2P Lenders in India who can fund your unsecured loan requirement by pooling money. These P2P Lenders are registered on our platform and they lend to borrowers who request for a loan via Cashkumar.

An alternative way to get your Loan

A complete tech-enabled platform which caters to a marketplace of borrowers and P2P Lenders and ushers a new era in the alternative lending eco-system in India

Basic Eligibility Criteria for P2P Loans

Age of the applicant should be between 21-60 Years

Salaried individual with minimum income of Rs 20,000. Salary bracket would again depend on the city you live in and the company you work for. Eg. If you are in a Metro the salary requirement will be higher than non-metro and again if you are working in a top MNC the salary requirement would be lesser than one working with a startup.

Want to know your Peer to Peer Loan Interest Rates?

Be informed of the different ways your Rate of Interest is calculated so that you take the right decision when it comes to choosing your loan at the lowest interest rates. Click below to know more about this,Know P2P Loan Interest Rates

Peer to Peer Loans in India

Since money came into being, there have always been people in need of it and people who had it.

People have thus lent money to those who require it by charging a rate of interest on the principal. Even now it is not uncommon for you to lend money to a friend or relative in need with or without charging an interest rate.

The way it works is very simple with borrowers and P2P Lenders registering on our platform with their details which are thoroughly verified by us. These details are visible to all and mandated by the authorities as standard procedure for extending loans. After registering, P2P Lenders are free to advance full or part of their funds to any number of borrowers on the platform at their discretion. Once a deal has been reached, we help you formalize it through signed documents and the money transfer takes place directly between the borrower and P2P Lender. The person who avails this personal loan, at a mutually agreed interest rate, will issue PDCs directly to the P2P Lender and ensure the money in his account. Any delays or defaults attract appropriate penalties on the loan taker.

If you are someone who needs to take a loan for personal or business purpose then a new option you can choose is online peer to peer lending. Your eligibility will be displayed to the potential P2P Lenders which includes your employment, personal, financial and credit history as well as a social score. One of the advantages you get as a borrower is the chance to get a better interest rate than what you would normally get from a bank. If your eligibility parameters are exemplary then P2P Lenders might bid among themselves to offer you the lowest interest rate. On the other hand, there is a chance here of getting a loan even if your traditional eligibility is not the best. P2P lending thus might be able to come to the rescue when traditional doors are closed.

To know more contact us and/or register on our platform to start the verification process to become a P2P Lender or borrower.

Customer Stories

Here are some stories of our customers with insights to help you make better financial decisions,

Individual Lenders to Raj's rescue

This is back in April 2016, Raj’s sister was on cloud nine as she had just got engaged to be married in May. Raj and family were all delighted but the one thing on their mind was how to arrange for the required finances. Raj decided to apply for a personal loan via a bank. Unfortunately, since he had delayed a CC payment in March for 2 days, the banks rejected his loan request. That is when he stumbled upon Cashkumar, where he realised a peer to peer lending option was available.

Since he worked in one of the better companies and had a good bank balance and a healthy credit score, he got a lovely offer from individual lenders for an 18% ROI. The good part in this option of peer to peer lending was that Raj got a pre closure option of 3 months by which he could apply to Cashkumar again for a loan from a Bank. The process was smooth where Raj submitted the required documents and the team came back with an offer which he accepted. Raj had 7 lenders funding his need of 1.5 Lakhs. The highlight was that the loan was disbursed before the committed time frame. This loan was a blessing in disguise as he did not have to approach relatives for money and the good part is we know that the marriage was a great success. We wish to help many more with this peer to peer lending option in India where RBI is now in cognisance of the need for such platforms.

Vikas MirmiraMarketing Head, Cashkumar

How Peer to Peer Lending cleared my friend’s way to having a dream wedding

I have a friend who lives in Bangalore who is 32 years old and works in a tier II IT company.

He has experience of about 10 years in this job with a decent salary package. Infact he was recommended by his boss on linkedin as a great work and a asset to the company when he got an award for best employee some months back. He has been loyal to the company and has been working with them for the past 8 years since he switched from his first job for a few personal reasons.

Recently, my friend decided to get married to his long-time girlfriend. He decided to fund the entire wedding himself and not ask for funds from either set of parents. Obviously he wanted a stylish wedding and thus was looking at an expense of Rs. 3 lakh which he would have to fund somehow. So he decided to check for a personal loan through this website and see if he could get one at a good interest rate. We did the needful but found out that banks were not willing to lend him a loan despite his good credentials.

Upon exploring further we found that his CIBIL Score had taken a hit because of some monetary delinquencies he had from his younger days. He told us that he had run up a big credit card bill which he had defaulted on a couple of times but had settled in full later. This had affected his credit score leading to his loan request being declined. This was a major setback to his wedding plans and my friend was very disappointed.

We suggested he register as a borrower and seek a personal loan through the Peer to Peer or P2P method. As part of the process we took all his details and also conducted a social rating of his profile. While his credit score was still bad, a P2P Lender decided to extend a loan to him based on other factors like salary, company and social score which was very good due to his loyalty with the company and his good performance which garnered him an award and praise from his boss. The P2P Lender also extended a decent rate of interest which my friend was happy to pay.

Cashkumar facilitated the entire process and connected my friend to his P2P Lender. They signed the papers and the loan was directly disbursed to my friend by the P2P Lender. He had his dream wedding and is now paying back the loan through EMIs. Infact his marriage was a good omen as he also got a promotion and is now quite well off in job and life.

P2P loans can be a godsend for you too and a few small mistakes in your past life should not entirely cut you off from sources of credit. Register soon to be a borrower or P2P Lender.

Frequently Asked Questions

General Questions

What is Cashkumar?

Cashkumar (Etyacol Technologies Pvt Ltd) is an online peer-to-peer (P2P) marketplace for loans. It brings together people who need money and people who have surplus/idle money so as to facilitate a loan transaction between them.

How does Cashkumar work?

The process of lending or borrowing with Cashkumar is safe and simple.

Customers wishing to take a loan need to complete a simple online application form

Cashkumar screens the information, assesses the borrower’s credit profile, computes an interest rate and shares with the borrower a loan offer. If and only if, the borrower accepts the loan offer the loans are listed on Cashkumar

Lenders, after they go through the borrower’s profile and the assessment verdict of Cashkumar, select loans they want to participate in

Is Cashkumar Regulated?

Cashkumar falls under the purview of the Reserve Bank of India under a new category of institutions called NBFC-P2P and will be applying for a license in January as mandated by the apex bank. You can read more here

How does Cashkumar ensure the safety of my personal & financial information?

Cashkumar does not sell your personal and/or financial information to anyone. We keep your information confidential and ensure that only authorised Cashkumar employees/authorised service providers have access to only specific information necessary to perform their direct duties.

Further, the Secure Sockets Layer (SSL) seal that you see on our website indicates an encrypted internet connection

All your passwords are stored in an encrypted form on the database and not even Cashkumar personnel have access to these

Critical transactions have to be authenticated via a One Time Password (OTP) sent to your registered mobile phone

The minimum amount that you can contribute to a particular loan is 5,000

Is there a maximum amount that I can lend?

The maximum amount that you can contribute to a particular loan is 20,000 or 25% of the loan amount approved, whichever is higher. This is to ensure that you don’t put all your eggs in the same basket.

How can I lend?

Please click here and register with your email address & mobile number. You will get an OTP on your registered mobile. Input that into the box provided and you will be requested to upload ID and PAN card copies followed by bank account details. Someone from the Lenders team will then look at your details, get in touch with you & approve your account: all within 1 working day. You can then log into your Cashkumar account and start lending.

What are the risks involved in lending on a P2P platform?

At Cashkumar, we use a proprietary credit evaluation model to determine who to give loans to and how much. This model allows only a fraction of all loan applicants to eventually get listed on the platform for you consideration.
Given that all investments involve risks of varying nature and degrees. You can minimize the risks of lending via a P2P platform by

spreading your funds across borrowers

using your discretion to pick from among the listed borrowers

Can I withdraw my contribution to a borrower's loan before the loan reaches maturity?

Since this is a direct lending relationship between you and the borrower, you can withdraw your contribution only at the end of the loan tenure

How does Cashkumar get borrowers?

Cashkumar employees a wide variety of methods to reach out the potential borrowers. However, only a small percentage of all people who apply for a loan get approved

Does Cashkumar take care of collections?

Yes, our team also follows up with borrowers on collections every month.

Does Cashkumar guarantee repayment of loans given it has vetted the borrowers?

The RBI has clearly stated that any P2P platform cannot present any credit guarantee or credit enhancement on the loans and therefore, the loans on Cashkumar do not offer any repayment guarantee. Loans are given at the risk of the lender.

What happens when the borrower delays repayment?

The borrower pays a late fee for each day of the delay in repayment.

How is interest on the loans calculated?

Interest on loans is charged at 18% to 30% flat and fixed on a per annum basis

What are purposes for which a loan is typically taken?

Loans are taken by borrowers for a variety of purposes. The loan purpose is mentioned on the borrower profile which you can browse.

Does Cashkumar use the score given out by a credit bureau?

Yes, one of the inputs into the borrower credit evaluation done by Cashkumar is the credit score as well as history generated by CRIF Highmark

When do you deny a loan to a potential borrower?

We deny loans to applicants who do not fulfil our eligibility criteria

Does Cashkumar facilitate a loan for a person who was earlier denied a loan in the past and she/he reapplies?

If this returning applicant has improved on the parameters that were a cause of rejection in the past, then we will consider this applicant for a loan. A loan will only be given if they now fulfil all necessary criteria

Do you actually verify the address of the potential borrower?

Yes, we have availed of the services of a third-party agency which does physical verification of the borrower’s address

Is the EMI date a fixed for any given month?

Normally, the 7th of each month is the date on which the EMI is payable. In specific cases, such as when the borrower gets the salary itself later than the 7th, the EMI payable date is 10th of each month. If these dates fall on a bank or clearance holiday the immediate next working day is considered the deadline for EMI payments.

How do I know how my loans as a whole have performed/are performing till date?

You can see a summary of your loans once you log into your Cashkumar account. You can also see the details of individual loans if you so wish.

What will happen to my loans and funds in the wallet if Cashkumar ceases operations?

Our purpose is to serve all our customers throughout the complete loan cycle. In case of an unforeseen event that causes Cashkumar to cease operations, we will ensure a tie-up with another peer-to-peer lending platform to have all the then current loans serviced.

What happens when the borrower defaults?

Given all the loans facilitated by Cashkumar are unsecured loans, we take PDCs (Post-dated cheques) from the customer. Do note that PDCs are a negotiable instrument under the Section 138 of the Negotiable Instruments Act, 1881. In the unfortunate event of non-payment of dues by a borrower beyond 60 days from the due date, we deposit a cheque and initiate legal proceedings if the same is dishonoured. For this facilitation you will have to bear a small fee which will depend of the specific case.

Can I reinvest the EMIs that I get?

Yes, you can reinvest the EMI received.

Does Cashkumar use a collections agency? If so, what are the charges?

Collections is taken care of by an in-house team. If the delay exceeds 60 days, we hand over the responsibility of collections to a third-party agency and the costs of which (mostly on a case to case basis) will be borne by the lender.

Borrower Related Questions

What is an EMI?

An EMI or an Equated Monthly Instalment is a periodic payment you make to your lender to pay back the money you borrowed from him. It is an easy and simple way of retiring a debt be it a personal loan, home loan, business loan, mortgage or goods purchase.

How is an EMI calculated?

The EMI you pay is dictated by the principal you borrowed, interest rate and tenure of repayment. EMI Formula: [{(Loan Amount*Rate of Interest per annum)/(100*12)}+(Loan Amount/Tenure in months)]

How do I apply for a short term loan?

It is simple. Just enter your contact details in our short form and we will take over. Click here to apply.

What happens after I apply?

After you apply with your initial set of details, one of our experts will call you, get more details and give you a provisional offer. Should you accept this initial offer, you will be asked to pay a registration fee. After you pay the registration fee, our team will reach out to you for the further information and eventually evaluate your request using our proprietary credit evaluation model. We will then present you with a final offer. Should you accept the offer and the associated requirements, we will put your case up on the platform for the lender to view and to contribute. Once your loan gets 100% funded, we will assist you with the documentation and disbursal.

How long does it take to get a loan?

On average it takes 7-12 working days from the time you apply to disbursal for a personal loan provided all processes complete on time

By what date do you have to pay your EMI?

Based on the salary date of the borrower EMIs are charged on the 7th or 10th of each month. If you miss paying the EMI on time, you have to pay a penalty for each day of delay.

Can I have a co-applicant?

Yes, you can have a co-applicant for a loan. In fact, it is better to have a co-applicant because the combined salary increases your eligibility as well as the amount of the loan.

What if I default?

If you default, you will be issued notices by the lenders. You will also face legal action & continued delinquency will lead to prosecution and your credit score will get negated preventing you from getting any other loan or financial product in the future.

How can I pay back my EMIs?

Through auto-debit (NACH) and direct transfer into the repayment nodal account if EMI is delayed

What is a credit score and how do I check my score?

A credit score is the output of an analysis of your historical repayment records on direct and indirect obligations. This score indicated the level of risk in extending credit to any individual. You can find out more on the websites of the credit rating agencies. At Cashkumar, we have partnered with the notified bureau CRIF Highmark

Cashkumar Peer to Peer Loan Reviews

Mohammad Pasha5/5
Good experience...I need money urgent in Suitivation cashkumar is a good p2p loan dey provide me i am sincerly thanks to Trupthi & sharmila & vikas... they done a good job and explain everything and all.. thanq so much to all ji.......and i will tell to everyone who need money in urgent needs cashkumar is site one and only site.....thanq you guys....

n kisna5/5
Very fast and good experience,when i was in needy applied for loan they done it in 48 hours,good conversation with customers from customer care members as well processing section good jiiii.....Thanks one and all....

Bhavesh Furia5/5
1) Have been a happy lender of Cashkumar since last 1 month.
2) Website is simple to understand
3) Missing an mobile app
Keep up the good work

Chidambaram Subramanian1/5
Pathetic Service. Slow Response.
Don't hold your last hope on CashKumar if other banks have not approved your loan for any reason.
If other bank approved your loan, then don't go with CashKumar. My best advise.

Reply:

Regret you had a bad experience. We try to service all customer requests soon as possible but given high growth we have spikes in demand which sometimes lead to a delayed response. Thanks for your feedback and we shall try harder to ensure other customers do not face the issues you had to. Hope you shall reconsider in the future as we would be keen to assist you for any financial requirements in the future.

Cashkumar Team

Subhendu Jain5/5
Great service

jayakanth k jai5/5
They are awesome.

Karthik M5/5
Good Customer service... Easy to talk... Very good Approach... I Love it...

lakshmana murthy Indrakanty5/5
Really good on time support for financial need, excellent co-ordination, very informative and valuable suggestions.

Javeed Ahmed5/5
Good

Gurpal Singh5/5
This user only left a rating

Tarun Agarwal5/5
Nice experience. But process is too long .

deepu deepu5/5
Cash kumar team is one of the best team. I never seen such type of staffs. Very dedicated and quick service. Thanks for your support and quick disbursal. pls keep it up.

pavan Sarkar5/5
Excellent experience,got support on real time basis when I need amount in my critical conditons .thanks for Team cash kumar..Best of luck ..

Gautham Maramraju5/5
Cashkumar .. This is one of the quickest loan processing companies and they charge lowest rate of interest in the market. Whenever needed if hou pay them regularly they will grant loans.. Top up loans.. Salary loans.. Be prompt to them in repaying is only what we should do and remaining all out financial crisis is taken care by them. They understand their customers personally.

Priya Ramesh5/5
Cash kumar team is one of the best team. I never seen such type of staffs. Very dedicated and quick service. Thanks for your support and quick disbursal. Wonderful service and best employees. pls keep it up. Thanks

Shahbaz Alam5/5
Edit - This is the 2nd time, I have used their service and have even better experience. Less time taken and usual friendly and efficient staff. Will surely recommend.
1St Review - Good Experience. Easy to apply online. Supporting and helpful customer care personal. Only area to improve is total time taken from application to singing of documents to disbursement. Thanks for the service.

Rebecca Nethala5/5
Wonderful app. The personnel at Cash Kumar work very closely with the Customers and understand their needs and requirements. From the time of taking my documents to disbursing the amount to me they have kept me updated of every step. My special appreciation goes out to Sharmila, Trupthi from the team who worked on my application...
Kudos Sharmila and Trupti!!! Awesome you guys rock!!!

Betsy R5/5
Excellent and good response, it help me in my very very difficult time and easy process

Mohanbabu S5/5
Superb service....

Adithya Chengalath5/5
Really appreciate the work done by cash Kumar.Got the funds when I had a medical emergency. Special thanks to ms Trupthi and ms Sharmila for their support. They had answers for all the queries

ABHIJEET KAMBLE5/5
Great experience !! Fast Process.Sure to be recommended.

Aum Ahluwalia5/5
Thank you so much for all the help. Quick disbursements and really to the point. Great service. Really happy

Arvind Palghadmal5/5
Very quick detailed process. There is lot of scrutiny but its all worth the effort building a long term relationship... Sharmila was in constant communication all through out so everything was handled well. All the best to the team and your bright future in the mortgage and lending market.

NIRAJ KUMAR Singh5/5
Always ready to support

Esakki Muthu5/5
Great experience and excellent support of each one. I thank everyone for the quick disbursement of my loan

n kisna5/5
Very fast and good experience,when i was in needy applied for loan they done it in 48 hours,good conversation with customers from customer care members as well processing section good jiiii.....Thanks one and all....

shivling giri5/5
I Applied For short Term Loan with Cash Kumar.
Had Interaction With MR. Vikas.
MR Vikas And his Team Disbursed me short term Loan Within 2 Working Days itself. Really Impressed for Service and quick Turnaround.

kumar singh5/5
REALLY AWESOME SERVICE BY CASH KUMAR ESPECIALLY DHIREN SIR FOR CO-OPERATION AND COMMUNICATION EXCELLENCE SERVICE AND GOOD PLATFORM FOR PERSONAL LOAN 10 STARS .REALLY GOOD SERVICE BY CASH KUMAR AND TEAM

Veerakumar Kondepudi5/5
excellent, simply awesome . i need money on emergency situation, at the time i saw an ad in internet about cash kumar and applied for short loan 3 days back ,they promised me to transfer the amount in 72 hours after verificarion process. yes they did it . its really good comitment by cashkumar custmor supporting team to help me every step up to final stage . thanks sharmila garu for your support and thanks cash kumar team. i wish you all the best in future.

Pankaj Wankhade5/5
U guys are simple fantastic and very polite and business professionals.
i really thanks to you all for giving me an instant cash loan on suitable interest rate.
I am very happy for your service and courtesy.

Ram Narayan Meena5/5
Great experience with cashkumar...Thanks cashkumar to having such a nice and professional employee...thanks for on time disbursement of amount as promised...I give 5 star* to executive who is dealing my application...Good luck cashkumar.

Gaurav Sharma5/5
Excellent service , trust full and honest dealing

Rajkumar Ramamoorthy5/5
Availed a cash loan for the second time. Such a pleasure to be connected to a wonderful people and organization. Cashkumar is the best P2P Lending platform and can rely on them at anytime. Thanks to Sharmila, Vikas and Dhiren.

lijin c5/5
Excellent service and support from the cashkumar . Special thanks to sharmila :)

NARASIMHA GOVINDU5/5
GOOD PERSONAL CARE TAKEN BY MISS SHARMILA FOR FASTER DISBURSEMENT OF THE LOAN AND GOOD COMMUNICATION MAINTAINED WITH THE CLIENT

milindraj deole5/5
I got my loan approved within two days. The support provided by the staff was good. Thanks for your financial help

deeraj kumar5/5
It was a great experience with Cash Kumar.. Really liked the way they approach and the customer service was very proffessional and fantastic I would say.. Better service and easier than regular Banks.

Abhinand Shetty5/5
This is my second loan with Cash kumar,quick action, customer centric approach, great team.
Thumbs up to Team Cashkumar.

DigiTech Toolings5/5
service is too good

Dilip Kumar4/5
I have applied for PL and right now amount is disbursed to me. The service of CASHKUMAR is very good and staff also very helpful and thanks to sharmila for speeding up my Application.
But Feel the interest rate bit high, Which is also useful for emergency purposes.

Tamil Selvan4/5
Nice within 10 days, i got it.

Anirban Chowdhury5/5
Great experience! I will definitely recommend Cashkumar to everyone..

Uzma Khan5/5
Awesome... They support very well especially existing clients... Looking forward for a great and long relationship.

Chandram Hadimani5/5
The Support of Ms. Sharmila in terms of explaining the process and documentation is really appreciable.

Mohammad Pasha5/5
Good experience...I need money urgent in Suitivation cashkumar is a good p2p loan dey provide me i am sincerly thanks to Trupthi & sharmila & vikas... they done a good job and explain everything and all.. thanq so much to all ji.......and i will tell to everyone who need money in urgent needs cashkumar is site one and only site.....thanq you guys....

satheesh thimothi5/5
I just half filled the application in cashkumar site and left it because of my work and forgot. But eventhough the application is not filled, i got a call from cash kumar team. They spoke to me and explained about the process in a very professional way. In very short period, i got the loan amount for low interest. That's really great. I appreciate the team Sharmila and Trupthi for they helped me in this process and thanks to Cashkumar.

uma pathi5/5
Excellent Service

sarthak negi5/5
So far the best fintech experience.
I really appreciate the efforts put in by Trupti and Sharmila.
Cashkumar 👍🏻

Radha Murugan5/5
Great experience. Very supporting and helpful. Special thanks to sharmila.V.

Manoj Kumar4/5
I have applied for PL and right now amount is disbursed to me. The service of CASHKUMAR is very good and staff also very helpful and good.

Veer Singh5/5
very good service, fast and easy, will refer everyone ,

Tarun Agarwal4/5
Nice experience. But process is too long .

James Bond5/5
Friendly staff, efficient and quick!

amit kumar sahu5/5
Great Service. Got approval of loan within 2 days. Honest and motivated Team. Special thanks to Sharmila.

Manish Pandit4/5
Quick,easy and reliable service....got money in no time...would recommend it strongly!!!

Rajendra c5/5
Hi
Really great service... they helped me right time special thanks to vikas and team who really helped me once more thanks keep rocking

Yasar Arafath5/5
It's one of the fast loan process place , it's really surprised me , with they timing of process durations,

supriyareddy janampally5/5
Excellent service and support from the cashkumar team. thanks

Manikandan Puthenpurakkal5/5
Destination for those who struggling to get personal loan from Banks / Bank formalities

Venkoba Rao5/5
Great Job team........

Surendra Babu4/5
Cashkumar is great platform to people who need their immediate financial requirements....I am happy to be a part of CK.

Subhra kumar Dey5/5
It was an awesome and fantastic experience with Cashkumar. Their response is very prompt and professional. They have fantastic workforce, headed by Ms Sharmila and Trupti. Minimum important documentation and hassle free service they offered and you can get your money in bank in exact time. I would like to refer my friends and colleagues for the same because they are GENUINE. Cashkumar Rocks.

Sameer Gandhe5/5
"Great Experience" and "Incomparable Customer Service". Getting money in utmost need with such an ease is really commendable. Trupti Deshpande has been caring throughout, she made sure everything works out flawlessly and she is a classic example of GREAT CUSTOMER CARE. I would surely recommend CASHKUMAR amongst my friends and even share my experiance. Wish you a Great Journey ahead to CASHKUMAR & SPECIAL THANKS to TRUPTI.

Srivatsa Srinivasan5/5
The team is fast and efficient provided you have the right documentation. The whole process took less than 5 days and I strongly recommend this to my friends.

Sabitha Fernandez5/5
Good approach, continuous followups, prompt communication and fast process. Out of 10, Cashkumar is No. 1 to serve customers who are in desperate situation to get loan facility.

Unstable Maverick5/5
great experience! within 4-5 days all formalities were done...they top up your loan also if EMI is paid in time..highly recommended

Rajkumar Ramamoorthy5/5
I never had thought that this was real until i had received the Money from Cashkumar. The bad experiences from Banks and private firms who give false promises that they would provide a loan and never do so had given me this impression. Thanks to Cashkumar who had kept their promise and a special appreciation to Ms "Sharmila" who is doing a fabulous job. Highly professional and never failed to communicate on time. I will for sure refer Cashkumar to my contacts.

Vinay Kumar5/5
Really appreciate the work these guys are doing and also i would like to thank every one in the team to help me in processing the loan special thanks to Trupti and Sharmila. Regards

Naveen Kumar P5/5
It was a great experience compared to any banking institutions. Each and every point corresponding team will communicated with me to make sure all details are correct and everything happened in 3-4 days including loan disbursement. Really appreciate you guys for the job and not so many firms followup customers to make sure they got loan or not but you guys did from start to end. Highly recommended to use cashkumar

Kiran S5/5
It was an amazing experience dealing with cashkumar

LAKSHMI C5/5
Understanding/less documentation/fast

Shahbaz Alam5/5
Good Experience. Easy to apply online. Supporting and helpful customer care personal. Only area to improve is total time taken from application to singing of documents to disbursement. Thanks for the service

Gangadhar m patil5/5
I was assured by the loan officer (Sharmila) that I would get the loan. and it was a great help. Made the process easy and within time. will definitely refer for friend. #happy for the entire process. Thank you team Cash Kumar.

Uzma Khan5/5
absolutely recommended... Thanks for the help and timely support.

Sibaram Sethy5/5
It's a good experience. You can take easily a loan with in short period of time.

Vijayan J5/5
Am extremely happy, after completion of this loan will go for top up also and will refer my friends also for the same

Sarah Raichel5/5
very good in response and easy steps to process the loan amount ........

Satish Panithi5/5
Had a great experience. Trupti and Sharmila guided me with all the details. Thanks guy's you are doing wonderful job. Loan processing was smooth and tidy. Referred to my friends. Its an great experience for people who are need of quick loan and low cibil score. Hassle free service for sure.

Gitesh Kulkarni5/5
Excellent Service and easy procedure

ManniReddy syamala5/5
A Great Support from Cash Kumar Team for my Financial crisis, I thank Ms/Mrs Sharmila.V for the follow up and Guidance on documents related. Thank You Cash Kumar For all the Help.

Rajan Irudayar5/5
It was excellent the staff was friendly and quick process. Ms sharmila assisted me very well.
Thanks for all the act very quickly the have done what the have committed.

lee john5/5
Amazing company very cooperative and understanding specially sharmila and Trupti listen help customer to get loan . Thanks to cash Kumar and whole team and credit managers.

Rachna Khera5/5
Applied for short term loan with CK, spoke with Tripti who coordinated my case so well with her team members that my loan was disbursed in no time
The process was very easy and transparent.
Thank you so much Cash Kumar Team ( spl thanks to Sharmila & Tripti)

Raj Vision5/5
Great support from Cashkumar Team.I have just applied for loan.They not only support me for getting loan and also need to improve my credit score.They suggest me in the best and possible way to get a loan,And the process was taken for few days and i got my loan amount in my bank account.
Its one of the best service provider for loan and all the best for your future.I am looking forward to make good relation.
Thanks once again to the team who made my process in possible way

Abhay Nalavade5/5
Awesome and quick service

Gaddam Kishore5/5
rate of interest is little high rest is all excellent

Mummareddy Sunil5/5
Gud response and on time disperse of money..thanx to Trupti madam for helping in getting d loan

Prashant Pandey5/5
It's best service for emergency and urgent uses from all the other thanks to cashkumar

Divya Nissi4/5
Very professional
Very helpful
Higly recommended for quick short term loans.

Pavithra Kumar5/5
Job Done, Nice team and pretty nice follow ups!!!

Suresh Dorairaju5/5
clear transparent and quick service

Narendra Dhanwalkar5/5
It was a wonderful experience to get a loan from CashKumar. It's speedy, effective and hassle free loan procedure. Thank you very much Trupti Madam to help me to explain and simplify loan procedure and to approved loan on short period of time. Highly appreciated!
I personally recommend CashKumar to everyone for lending or borrowing needs. Looking forward opportunity in future as a lender as well. All the best!

vamsee krishna reddy kuppireddy5/5
I am Very Happy with the service. Excellent Customer support and Quick processing. Special Thanks to Trupti.

Cheryl D5/5
Helpful, empathetic and prompt!Thank you!

Surya Phani5/5
Applied For short Term Loan with Cash Kumar. Had Interaction With MR. Vikas.
Really Impressed for Service and quick Turnaround, these Guys are really amazing, and the processing is very simple and fast.

Dinesh Brahma5/5
Awesome and the personalised attention was just unbelievable!! Keep it up guys looking forward to greater times ahead!!!

shivling giri5/5
I Applied For short Term Loan with Cash Kumar.
Had Interaction With MR. Vikas.
MR Vikas And his Team Disbursed me short term Loan Within 2 Working Days itself. Really Impressed for Service and quick Turnaround.

Sunny Chawla5/5
Very nice coordinated..Good company for short term loan..Thanks to Trupti Well done!!..Cheers

Anirban Sarkar5/5
It was an wonderful experience to deal with cash kumar , Firstly they never ignore calls and truthfully answers all the query , total transparent experience and very reliable , and i got everyday details and status update and got my loan amount transferred with in 5 to 6 working days . very much hassle free and trust worthy . awesome new experience working with them . and over all very polite friendly and supportive . I specially want to thank Ms Divya , Ms Trupthi and Mr Dhiren for all your coordination and overall continuous support .

Sourirajan Raghavachari5/5
It is really Amazing to go and utilize Cash Kumar for urgent cash needs.
I have applied the loan on 09-05-2017 night through online and by 12-05-2017 afternoon I have got the money credited. The money would have come even one day earlier however the house verification did not do his job properly. Hassle free. Very highly friendly deal. Very sweet and highly care officers specifically to mention to Ms.Trupti Deshpande who is really through professional with utmost care showing on customer needs on each telephonic call. She never missed single call. God bless her. Last but not least the back end staff and the entire Cash Kumar Team is excellent and outstanding in servicing customer. I doubt if any bank sectors or private financing sectors offers this much speed in releasing the loan and that too in a record time within 72 hours. Hats off and my sincere thanks to Cash Kumar and All the best to their staffs. Warm Regards R. Sourirajan

Reply:

Thanks for the kind words and we could not have done it without your cooperation.

Cashkumar Team

phani kumar5/5
Very Good Services from Mr. M.VIKAS and Sharmila... Good work.

Reply:

Thank you for a kind words and special thanks from Vikas and Sharmila for the appreciation

Cashkumar Team

Dinesh Baldewa1/5
They Charged my 299 for loan processing and after that they fetched Cibil score from some Crifghigh which shown wrong report as I have confirmed with actual Cibil Bureau. this is how they rejected my application on the basis of wrong report and took my money. but I will take necessary action.

Reply:

It is an unfortunate misunderstanding Mr. Dinesh. Crif high mark is a recognized credit bureau. Pls feel free to check their recognition. You can also check the authenticity of the report with them. We would request you to take up any erroneous reporting with Crif high mark.

Cashkumar Team

Amol Nikam5/5
Service is Good & Thanks for Giving a Wonderful Financial Support. It's Very Useful for who are need...Team Everything is Superb Special Trupti Mam.. Thanks Once again ...

Reply:

We really appreciate your feedback and many thanks from Trupti and the rest of the team.

Cashkumar Team

satish Kale5/5
Better than I could have DREAMED! Possibly the best online loan that I have ever worked with. Very personal support. GREAT JOB!! thanks Trupti madam

Himanshu Tewari5/5
Pleased with the services..... Mostly at any other p2p platform u need to wait for weeks for confirmation and atleast a month for disbursement of the loan. But with cashkumar my loan was disbursed within a week without any hassle.....

arvind.p bankaar4/5
My experience with CashKumar was gud . I was declined thru many bank .. cashkumar took my case and they did proper evalution thts why many lenders ready to invest .. Rate of intrest is bit high but okie .. I m satisfied with services ..

sattam ray5/5
Awesome is the word for Cashkumar, especially Trupti! I loved the way my request was handled and appreciate the transparency they maintain throughout the whole process. I think they deserve a worldwide recognition for doing such an amazing job.

Yogesh Rajendhiran5/5
Quick, Reliable and Effective. The process is seamless and I got my personal loan in a couple of days. Great follow-up process and customer friendly.Repayment options are very good with less/reasonable interest amount.

jahnavi paramesh5/5
I had a very good experience. Trupthi was too good and humble to answer all the queries with all the patience :-). Dhiren was also also good and easily approachable. Overall excellent experience.

RAHUL Kumar5/5
Hi...Rahul from Mumbai working as Quality Auditor in a reputed organisation. I was in need of money urgently but due to low civil score I could not get a loan from any bank. So one fine evening I was just searching on Google regarding loan without civil score. And I got a link of cashkumar, i filled my detailed and very next day i received a call from it. After some very friendly paperwork and verification I got my loan. Thanks to cashkumar... And a very special thanks to Trupti.... Very friendly and coperative...

Narayanaraju Bh5/5
Services that are provided by the Trupti Deshpande from Cashkumar are spontaneous. My personal loan that I applied with them got processed quickly I applied with the Cashkumar for the loan amount of 30 thousand.

Abhay Nalavade5/5
Awesome service from Cashkumar. I easily received 25 k short term loan within 5-6 days. With minimum process. Great......Cashkumar. Go for it 100% without any doubt!

Priyesh Prakash5/5
It was a great experience with Cashkumar. The transaction , communication , online application all was very clear and Hassel free. Liked the service.....

Kumar Singh5/5
REALLY AWESOME SERVICE BY CASH KUMAR ESPECIALLY DHIREN SIR FOR CO-OPERATION AND COMMUNICATION EXCELLENCE SERVICE AND GOOD PLATFORM FOR PERSONAL LOAN 10 STARS

Alankar Raj5/5
Cashkumar have helped me on time and they Delivered as they promised i received cash in 2 days as they had to go through Address verification. Thank you Cashkumar for helping me on time.

Shalu Priya5/5
For all the trouble we go through with Banks out there, when we approach for a loan , this cash kumar team does a Hassle free transaction, understanding the needy and emergency situation with a perfect example for Customer Satisfaction.. Dhiren and team keep up the good work.. Shall definitely refer your brand to people in needy... Thank you Dhiren and team

Gargi Gogoi4.5/5
It was a wonderful experience with the entire team of Cashkumar..extremely professional, very precise in their entire approach.Thank You

Niraj Kumar4.5/5
Easy to communicate, very friendly and supportive Team, you Guys are awesome.

Naveen B K4/5
It was good to deal with cash kumar, except that they require cheque for each lender all other process are fine.

Reply:

Thanks for the appreciation and for using our service. Unfortunately the requirement of cheques is a necessary hurdle right now. It should not be a problem as soon as a few of our new initiatives are in place. Really appreciate the constructive feedback.

Cashkumar Team

Bhakti Shirke5/5
Cashkumar Team has been incredibly fast and supportive in processing the P2P funding; valuing the fact that we must be going through some personal crisis to have applied for a loan… very rare to see a team which is very professional, yet so empathetic and customer-centric. My experience of loan disbursement has been excellent, and Dhiren Makhija (the co-founder of CashKumar) personally was always there to assist throughout the borrowing journey. I strongly recommend CashKumar to everyone for lending or borrowing needs.

SANJEET KUMAR SINGH4.5/5
Completely hassle free process. I recommend if any one looking for personal loan.

sv sasi kumar5/5
Heard about Peer to Peer Lending on Cashkumar. Got a good deal!

Shyam srv5/5
Just go for it!

Ajay Bm5/5
Great experience and team is too good I request everyone to go with cashkumar. .looking forward to get much more experience ahead